[Arkhaine_kupo]

> I'm having a hard time seeing how you'd implement that.

Similar to shark loans, creating alternatives will always come with compromises. either we have public lenders that will lend money that will never be returned, or we leave a strata of society without access to capital.

But diagnosing the predatory nature of shark loans does not mean the proposal of an alternative.

I think the church model is coercive, specially when threats are existencial. Hell is beyond any threat you could make to someone who believes in it. Does not mean that I can come up witha. universal, generalisable model for providing adequate funeral rites, emotional support and remove social status from society.